insurance

Day: November 29, 2017

Facing eviction from your home can be a terrifying experience. The idea of being out on the street, moving back in with family or going back to being a renter are not appealing options for most people. After all, if buying your home feels like a privilege you can be proud of, then losing your home to eviction feels like a disgrace.

Usually, a person does not get an eviction notice unless they are behind several payments on their mortgage. Thus, even a sizable loan is not likely to completely pay off the sum total of your outstanding mortgage payments in one fell swoop.

On the other hand, many banks are becoming increasingly reasonable with their mortgage customers due to problems in the home mortgage industry as a whole. It just may be the case that being able to pay for one or two back-payments will be enough to put off the eviction indefinitely. Sometimes, a bank just needs to be able to see that you are really trying to stay in your house and are willing to cooperate.

If you are saying to yourself, “I need a personal loan to stop an eviction,” here are 5 steps to take to getting funded:

1. Understand what a personal loan can do for you:

A personal loan is a short-term loan for which you can qualify after going through an application process. It differs from a home loan or an auto loan in that with a personal loan, you are not specifying exactly how you will be using the money. Rather, you can use it for anything you like.

2. Understand the downside of a personal loan:

The only downside to a personal loan is that it is a short-term loan, so you should have a plan together for how to repay the loan within a short period of time of say 1-2 months. Also, a personal loan often has a high interest rate associated with it. Often, personal loans are taken out by making out a check to the lender against a future paycheck.

3. Secured or unsecured: what’s your fancy?

There are two main types of these loans: secured and unsecured. The main difference is that with secured loans, you have to put up some type of collateral against the loan. In exchange, you get a lower rate that with an unsecured loan which does not require collateral.

4. Check your credit score:

Before filling out any applications, it is always a good idea to go ahead and check your credit score before applying. Run your report with TransUnion, Experian and Equifax since your FICO score will vary from one to the next. At the very least, you will know where you stand in terms of your credit. And, doing this will give you the chance to protest and fix any glitches you find there.

5. Apply to multiple trusted personal loan lenders:

To get the best rate for your loan, make sure you apply to many lenders, not …

In preparation for your life insurance exam, we recommend the following in order to obtain the most favorable results.

Ask that the medical exam be scheduled for early in the day when possible, rather than the afternoon because:

Most people have lower blood pressure and pulse in the morning, before the day's activities (and caffeine in take) take hold

It allows you to fast (no eating or drinking) for 12 to 14 hours before the exam. If this is not possible, you should be very careful about what you eat or drink the morning of your exam. If possible you should only have water. YOU SHOULD CONTINUE ALL REGULAR MEDICATIONS REGARDLESS OF THE TIME OF YOUR EXAM.

Dietary Considerations & Fasting:

The best results are obtained when you watch your diet take for a few days before the exam, as we want favorable lab test results. You should avoid fatty foods, excess sugar, etc.

Optimal lab results are obtained when the blood draw occurs at between 12 and 14 hours after the most recent meal. These times optimize lipid and blood sugar results. Times outside of this can affect the total cholesterol, HDL, LDL and triglyceride levels, glucose, BUN, creatine, total protein, as well as serum albumin.

Caffeine. Do not have any coffee or other form of caffeine the morning of the exam, and as little as possible the day before. Caffeine, of course, can stimulate your heart and throw off various tests.

Alcohol. It is best to avoid altogether for a few days prior to the exam.

Salt. It is best to avoid altogether for a few days prior to the exam.

Water. Drink lots of water the day before and the morning of the exam, as this gives optimal urinalysis results. This will also keep you hydrated, which will make it easier for the nurse to take the blood specimen.

Exercise: While this may be counter intuitive, you should not exercise within 24 hours of the exam. Strenuous workouts within 24 hours can result in false elevated liver function tests and poor urine results. …